Where Every Number Is Regulated.
Banking, insurance, private equity, accounting firms. Different businesses, same problem: too many entities, too many reporting frameworks, too little time between close and board. riicu gives your CFO office a single financial command centre.
Your core banking system handles transactions. Your actuarial engine handles reserves. riicu handles the financial planning, close, and reporting layer that connects them all - across entities, segments, and regulatory frameworks.
Not a core system replacement. Not a generic planning tool that does not understand combined ratios or capital adequacy. A financial intelligence layer built for CFOs who report to regulators, boards, and investors simultaneously.
Banking
Multi-entity consolidation, NIM analysis, cost-to-income tracking, regulatory capital planning.
Insurance
Combined ratio reporting, claims reserve modelling, IFRS 17 readiness, multi-GAAP consolidation.
Private Equity
Portfolio company consolidation, fund-level reporting, NAV calculation support, investor reporting.
Wealth & Family Offices
AUM reporting, client portfolio analytics, fee income analysis, regulatory compliance (MiFID II).
What Financial Services Finance Actually Looks Like
Multi-Entity, Multi-Framework Close
24 entities across 6 jurisdictions. IFRS for the group. Local GAAP for each subsidiary. Regulatory returns on a different timeline. The close is not one process. It is six running in parallel with different rules.
Regulatory Reporting Pressure
Basel III capital ratios, Solvency II, IFRS 9 expected credit losses, IFRS 17 insurance contracts. Each framework demands its own data, its own calculations, and its own audit trail. Most teams produce them in separate spreadsheets.
Segment and Product Profitability
Is retail banking subsidising corporate? Which insurance lines are destroying margin? What is the true cost-to-serve per segment? Without allocation rules connected to actuals, the answers are estimates at best.
Board and Investor Reporting
The board wants a strategic narrative. The regulator wants granular compliance. Investors want comparable KPIs. Three audiences, three formats, one finance team assembling them from five different sources every quarter.
Plan by Entity, Segment, and Product Line. See the Group in Real Time.
Build budgets and rolling forecasts across banking, insurance, and investment segments in a single connected model. Link revenue drivers (NIM, premium volumes, AUM growth) to the P&L, balance sheet, and capital ratios simultaneously.
Scenario modelling for interest rate shifts, claims volatility, and regulatory capital impact. Minutes, not weeks.
See it in action| Scenario | Rate | NIM | Net Rev. | CIR | ROE |
|---|---|---|---|---|---|
| Rates Cut | 2.75% | 1.82% | $296M | 58.1% | 9.4% |
| Base | 3.50% | 2.14% | $318M | 54.2% | 12.1% |
| Rates Hold | 4.25% | 2.38% | $342M | 51.6% | 14.3% |
One Governed Close Layer. Every Framework. Every Regulator.
Each regulated entity closes under its own supervisory framework - IFRS at group level, local GAAP for statutory filings, prudential returns for the regulator. riicu orchestrates all three in a single control board: entity status, framework alignment, submission readiness, and audit lock - visible in one place, governed by one process.
No spreadsheet trackers. No email chains asking "is Entity X closed?". The control matrix shows exactly which entities are locked, which regulatory packs are pending, and whether every framework is reconciled - before the submission window opens.
See it in action- Meridian Retail BankECB · COREP / FINREPLockeddone
- Novarc Life InsuranceSolvency II · IFRS 17Lockeddone
- Velar Capital PartnersFCA · MiFID II · UK GAAPPendingactive
- Crestline Asset MgmtFINMA · CHF statutoryIn progressactive
- Group ConsolidationIFRS · 24 entities · EURAwaitingpending
| Entity | Framework | Submission | Status |
|---|---|---|---|
| Meridian Retail Bank | ECB supervised | COREP · FINREP | Closed & Locked |
| Novarc Life Insurance | Solvency II | QRT · IFRS 17 | Closed & Locked |
| Velar Capital Partners | FCA regulated | MiFID II · UK GAAP | Regulatory Pending |
| Crestline Asset Mgmt | FINMA statutory | CHF statutory | In Progress |
| Group Consolidation | IFRS Group | 24 entities · EUR | Awaiting Subs |
One Source. Three Audiences. Zero Scramble.
Generate board packs, regulatory submissions, and investor reports from the same underlying data. Segment P&Ls, cost-to-income analysis, capital adequacy ratios, and combined ratio trends in a single dashboard.
Drill from the group KPI to the entity, to the segment, to the product, to the transaction.
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Built for the Reporting Intensity of Financial Services
Multi-GAAP Consolidation
IFRS, local GAAP, and regulatory frameworks from one data set. Automated elimination, translation, and reconciliation across entities.
Regulatory Readiness
Capital adequacy, Solvency II, IFRS 9 ECL staging, IFRS 17 CSM. Structured data outputs aligned to regulatory submission formats.
Segment Profitability
Cost allocation by segment, product, and channel. True cost-to-serve, NIM by portfolio, combined ratio by line of business.
Interest Rate Scenarios
Model rate shifts across the book. Link NIM, NII, and capital impact to rolling forecasts with instant scenario switching.
Portfolio Consolidation
PE fund-level reporting, NAV support, portfolio company roll-up, investor-grade quarterly reports with drill-through.
AUM & Fee Income Analytics
Track assets under management, fee income by mandate, client profitability, and performance attribution across wealth and family office portfolios.
Designed Around Your Existing Core and Finance Systems.
From SAP, Oracle, Microsoft Dynamics 365, Cegid Primavera, Sage, PHC and QuickBooks to your core banking, policy administration and fund accounting systems, riicu is designed around the systems your business already runs - supporting a more connected finance environment and reducing spreadsheet-heavy workflows.
Ready to Close Faster
and Report Smarter?
See what unified finance intelligence looks like for financial services. Book a personalised demo with our team.